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[虚拟币交流]
快速了解FedNow、Hedera區塊鏈與Dropp(转)
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FedNow是美聯儲為確保美國支付係統能夠與時俱進、滿足現代經濟中的即時支付需求而推出的一個公共支付基礎設施。它可以對標中國的即時支付清算係統(CNAPS),是美國為滿足現代化支付係統需求、提供即時支付服務並支持更快速、更有效的資金轉移的一項新服務。 FedNow有以下一些關鍵點: - 即時支付:FedNow允許實時資金轉移,這意味著支付幾乎是瞬間完成的,沒有延遲。
- 全天候服務:FedNow將提供24/7/365的服務,消費者和企業可以在任意時間發送和接收資金。
- 美國聯邦儲備係統的支持:由於是聯邦儲備係統提供的服務,FedNow將受到這一係統的強大支持,這可以提高其在市場上的可靠性和信任度。
- 增加支付效率:即時支付可以增強消費者和企業之間的支付效率,從而有可能促進經濟活動。
- 競爭和創新:FedNow作為一個新的支付平台,可能會促進支付領域的競爭和創新。
- Hedera
Hedera Hashgrap(簡稱Hedera)是一種為實現高度安全、高性能和去中心化的區塊鏈解決方案。與其它區塊鏈不同,Hedera Hashgraph採用「哈希圖」(Hashgraph)共識算法,旨在提供更快的交易速度和更低的費用,同時保持網絡的去中心化特性。 Hashgraph是一種異步拜占庭容錯(ABFT)的共識算法,可以實現高度的交易吞吐量和安全性。該算法不需要挖礦,也不需要消耗大量的計算資源。 Hedera可實現高吞吐量、低延遲、去中心化、安全性和合規性,適用於需要快速確認交易的場景,能提供身份驗證和跟蹤功能,支持智能合約和發行穩定幣,可在金融、供應鍊等領域應用。 Dropp由於美國相對落後的支付基礎設施,小額支付雖然是一項需求,但通常成本較高。 Dropp希望開發一種小額支付方式,Hedera的高性能、安全性、穩定性以及低費用可以支持小額支付產品,這也使Dropp選擇Hedera作為底層區塊鏈的原因。 低延遲和高吞吐量對於小額支付至關重要,必須採用更高效的模型來實現小額支付。 Hedera中用穩定幣和HBAR代幣進行交易的費用預計為0.001美元。同時Hedera區塊鏈的吞吐量超過10k/s,結算時間在3~5秒內。 隨著小額支付的使用,商家的收費模式也可以不限於訂閱和廣告。通過Dropp可以進行更高頻次的交易,如按使用付費、微訂閱等。此外,Dropp也內置有「推薦費」,可通過推薦他人使用來獲得費用,也實現Dropp的用戶增長。
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